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New insurance questions.

  • 20-06-2012 6:51pm
    #1
    Yawns
    Banned (with Prison Access) Posts: 4,255 ✭✭✭


    Time for renewing insurance next month and I got a renewal quote today. Just decided to see what the Aviva website would throw up as a quote. I spotted some new questions they have introduced.

    How do you normally pay for your car insurance?

    Annually ( Pay in full )
    Monthly ( Direct Debit )
    No Previous
    Do you have outstanding finance on your car?

    No
    Yes - Car Loan
    Yes - Lease

    Maybe it's nothing but I find it weird that they want more questions. Is this the brickwork for when they can no longer have different prices based on gender? Will we now see vastly cheaper policies if you have no finance outstanding or pay in full.

    As it is they generally charge about €50 more for direct debits anyway according to the 2 different quotes I did online. Will this change to a lot more in the future when that ruling regarding gender comes into effect?

    Or is it simply me with too much time being a tit over nothing? I haven't checked any other sites as my normal method of getting car insurance involves ringing the companies directly as generally I find them cheaper that way. If you go online first they will see that and most likely match that quote over the phone so ring first is my advice. I didn't need to ring Aviva as they sent me a renewal quote.

    EDIT: Just to say I did play about with the different options for those questions and the policy price wasn't affected.


Comments

  • #2
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    Maybe they see people who have cars on finance as a greater risk?


  • #3
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Yawns wrote: »
    Or is it simply me with too much time being a tit over nothing? I haven't checked any other sites as my normal method of getting car insurance involves ringing the companies directly as generally I find them cheaper that way. If you go online first they will see that and most likely match that quote over the phone so ring first is my advice. I didn't need to ring Aviva as they sent me a renewal quote.
    Or they might just be gathering info on you to sell on to other businesses. By the way i'd ring Aviva too - in my experience they're more open to negotiation on price than most.


  • #4
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 85,547 ✭✭✭✭Atlantic Dawn
    GDY151


    I'd spotted this before too, think it's down to where the proportion of the claim would go. The payment question is down to perhaps giving a better quote seeing as your paying in one go and not doing a fly by night where you get the 1 years disc and stop direct debit payments 2 months later.

    http://www.boards.ie/vbulletin/showthread.php?p=76318977


  • #5
    Yawns
    Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    Our man in Havana wrote: »
    Maybe they see people who have cars on finance as a greater risk?

    Can't see how you finance your car compares to your ability to drive one. That question just seems odd.


  • #6
    Yawns
    Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    Atlantic Dawn wrote: »
    I'd spotted this before too, think it's down to where the proportion of the claim would go.

    I had thought that too and it does seem most logical but I would think they already have a system in place for knowing if the car is on HP. Perhaps not and this will help them.
    The payment question is down to perhaps giving a better quote seeing as your paying in one go and not doing a fly by night where you get the 1 years disc and stop direct debit payments 2 months later.

    http://www.boards.ie/vbulletin/showthread.php?p=76318977

    That wouldn't work as all you would have to do when taking the policy out is declare that you paid previously all in one go, then opt for the direct debit this time agreeing to the extra €50 on the policy they seem to charge and then cancel anyway after getting the disc.

    I paid my policy in full last year for example and I could honestly put that down and take a direct debit approach this year if I wanted/needed to. I think this is the weirdest of the 2 questions tbh. I could understand the logic of the first if it's to ascertain that a payment would be required to a finance company.


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  • #7
    Yawns
    Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    Anan1 wrote: »
    By the way i'd ring Aviva too - in my experience they're more open to negotiation on price than most.

    Not in my experience but only just got the renewal. I will be ringing them when I get a lot more quotes under my belt. If they can match it for price while giving me what I want on the policy I'll be happy then.


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